Easy Techniques to Spend Less on Clewiston Car Insurance

If you've never shopped for car insurance online, you may be overwhelmed due to the large number of car insurance companies competing for business in Clewiston.

It's important to compare rates occasionally due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the lowest rates a few years ago the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because I'm going to teach you the tricks you need to know to properly buy coverages and cut your premium.

Policy discounts you shouldn't miss

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you don't get every credit you qualify for, you're paying more than you need to.

College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Bundle and Save - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply well after school through age 25.
Homeowners Savings - Owning a house in Clewiston may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce the amount you have to pay.

To see a list of companies who offer car insurance discounts in Florida, follow this link.

Automobile Insurance Quotes in Clewiston, FL

Finding cheaper car insurance prices can be relatively painless. Consumers just need to take a couple of minutes to compare quotes provided by online insurance companies. This can be accomplished in several different ways.

The best way to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method eliminates the need for separate quotes for each company you want a rate for. A single form will get you rate comparisons instantly. This is by far the quickest method.
A slightly less efficient method to shop for car insurance online requires you to visit each company's website and request a quote. For example, let's assume you want to compare , and . To get each rate you have to visit each site and enter your policy data, and that's why the first method is more popular. For a list of links to companies insuring cars in Clewiston, click here.
The least efficient method to get comparison rates is to waste gas driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance that only a license agent can provide. You can, however, obtain prices from the web but buy from a local insurance agent and you'll learn how to do that later.

Which method you use is up to you, but make absolute certain that you use apples-to-apples coverage information with every price quote. If you have unequal deductibles or liability limits it will be very difficult to find the best deal in Clewiston.

You have some control over your rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the "ingredients" car insurance companies consider when setting rates.

Mature drivers pay less - Youthful drivers in Florida are known to be more careless behind the wheel so car insurance rates are higher. If you've ever had to add a youthful driver to your car insurance policy can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
Consolidate policies to earn discounts - Many companies will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to compare rates to ensure the best deal.
Where you live can impact rates - Living in small towns and rural areas can be a good thing when talking about car insurance. City drivers have much more traffic and longer commute times. Lower population translates into fewer accidents.
Bad driving skills means higher rates - Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can boost insurance rates twenty percent or more. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is unique.

For example, these questions might point out whether your personal situation might need an agent's assistance.

What are Florida no-fault laws?
Do I need PIP (personal injury protection) coverage in Florida?
Do I pay less if my vehicle is kept in my garage?
Does my insurance cover a custom paint job?
Do I need to file an SR-22 for a DUI in Florida?
Does my policy cover my teen driver if they drive my company car?
What can I do if my company won't pay a claim?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Save $429 a year? Really?

Consumers in Florida can't get away from ads for cheaper car insurance by Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching to their company.

But how can every company claim to save you money? This is how they do it.

Insurance companies have a certain "appetite" for the driver that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a more expensive rate which usually ends up with the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do.

Because of the profiling, drivers must quote coverage with many companies. You cannot predict which company will provide you with the cheapest rates.

Best coverage at the best price

When shopping online for car insurance, do not reduce coverage to reduce premium. There are many occasions where an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price.

We just presented a lot of information how to compare car insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a smaller regional carrier.

Consumers change insurance companies for any number of reasons including not issuing a premium refund, policy cancellation, policy non-renewal or poor customer service. No matter why you want to switch, switching car insurance companies is actually quite simple.

For more Florida car insurance information

Additional information can be found on the Florida Office of Insurance Regulation website. Click here for link. Visitors are able to read enforcement actions against agents and companies, read consumer alerts, and view agent and company licensing information.

Additional helpful sites include Auto Insurance 101 and this page of insurance agents in Clewiston.